The Best Online Credit Checking Tools for Personal and Business Monitoring

The best online credit checking tools are right at your fingertips. What most people don’t know is that you can stay on top of your credit scores and reports at all times without damaging your score OR paying outrageous fees.

This article will highlight some of the best online credit checking tools, discuss the pros and cons of each, and help you make a better decision on how to go about monitoring your credit.

Why Stay On Top of Credit?

Many of the best online credit checking tools can be useful for anyone who wants to stay on top of their financial situation. Knowing where the strengths and weaknesses of your reports are, as well as where your individual bureau and FICO scores stand, is essential to putting yourself in the right position for financing a home, car, or business, opening new credit lines, and much more. Not to mention, it helps avoid taking hard inquiries that damage your score; after all, you can apply only with the creditors that are most likely to approve applications in your credit bracket.

Best Online Credit Checking Tools for Personal Finances ranks first on this list for a number of reasons. In all honesty, we have found this to be one of the best online credit checking tools out there. First and foremost, you can access your score for without a commitment to a monthly membership. If you’re trying to finance a new business, buy a car or home, or make any kind of moves with your personal credit, using a service like is one of the best ways to get a glimpse of where you stand so that you can strategize your approach to financing. is partnered with all 3 bureaus to ensure prompt access and high accuracy on your reports.

The site is one of the more accurate monitoring services we’ve recommended to our clients over the years, and it’s chock full of useful information that can help borrowers who might feel lost on topics like what constitutes a good score, how scores are determined, how the bureaus work, etc.

If you’re looking for a simple and easy credit checking service, is one of the best online credit checking tools available. You can get your score by following the link below or clicking the logo image above the text.
Get Your FREE 2016 Credit Score from!

We can’t say enough about It is absolutely, without a doubt, the sleekest, most in depth, and most effective credit monitoring service on the net. The FICO Ultimate 3 Bureau Report gives you everything you need, with instant access to all 3 reports and your FICO scores, which are used in almost every credit decision.

In addition to instant access to accurate reports, you get both the most updated FICO Score 9 as well as 8 (yes, there are several types!), quarterly reports on which has been used most, and a treasure trove of notification features. Your subscription to will notify you in real time when there’s a change to your credit report, score, or a potential threat to your identity.

With highly competitive pricing if you stick around for more than your trial period, is going to be your best bet for long-term monitoring solutions. Click the image above or the link below to get started with

Get Your Credit Scores & Reports From All 3 Credit Bureaus.

Best Online Credit Checking Tools for Businesses is a powerful monitoring service, and one of the best online credit checking tools for consumers needing to monitor their business credit in addition to their personal reports. provides access to business scores for both you and your competitors, as well as identity protection services and coverage. also focuses on helping consumers prepare for a lending situation, so if you have a business financing goal coming up, is going to be one of the best online credit checking tools for you.

Their premium plans will provide you with many of these features, identity protection, and online feedback and tools to help you improve your scores, but their standard service is totally free. Whether you’re starting a new business up, or you’re a long-time entrepreneur, is the way to go. Click their logo, or the link to their Pricing Page (which includes the free membership).

Help Getting out of Debt

Some of the best online credit checking tools are simply there for consumers who feel like they’re in the middle of a financial downturn. is one of those services, without a doubt. While it doesn’t offer the same kind of comprehensive monitoring services that those who are positioning for a financing push might need, it has a myriad of tools and information about everything from student loans, to tax debt, credit correction, identify theft, etc.

If you want a simple overview of your credit situation but need help tackling that bad debt, try They’re one of our favorites, and you can check them out by clicking their banner above!

***Disclosure: This post contains affiliate links, which means we receive a small commission if you register using the above graphic or hyperlinks.

Corporate Business Lending Scam or Salvation for Business Owners?


Corporate Business Lending Scam or Salvation?

Is Corporate Business Lending scam or salvation for business owners? Fraud in the consumer finance industry is rampant, so we understand that you expect a company like ours to be able to prove they will hold up their end of the bargain.

There are a few questions to ask when you’re not sure whether a company can be trusted or not.

Are you being given a written agreement to protect yourself?

The cold, hard truth is that if you don’t have it in writing, it doesn’t mean anything. Corporate Business Lending provides every client with a full written agreement before beginning any work or accepting any kind of commitment from you. The reason why is simple: we have nothing to hide, and we do what we say we’re going to.

Does the business have a legitimate merchant service (in other words, if they charge a fee, are they using debit, credit, and ACH payments or are they asking you to send untraceable money orders or wire money)?

The all too common loan scam, where you send someone money and don’t get a receipt or a call back ever again, you are asked to send payment via mediums that you can’t track or reverse later, and either way, you don’t get your loan. The simple fact of the matter is that when payments are processed with a debit or credit card (as well as, often times, ACH), you are not only able to track each payment step by step, you are protected by both your card merchant and the company’s merchant. A corporate business lending scam will almost always ask you to pay through unconventional methods; we never have, or will.

What does the company’s online reputation look like?

We are big on honesty; just like any other company that works within the financial industry (or any industry for that matter), we have a few complaints against us. We take these very seriously, however our reputation is something we pride ourselves on.
We have been in business for over half a decade now; this means that as it stands, we average about 1 complaint per year. This is unheard of in our industry. Additionally, while we do our best to be as transparent as possible, on rare occasion we have had clients who felt they were being told they were required to retain us for other services, or who thought we were your bank or credit union (as we’ve mentioned, we are consultants). While none of these are true, unfortunately these misunderstandings result in negative feedback from time to time.
We absolutely do, however, have PLENTY of success stories we’d love to share with you. For some of these, head over to Corporate Business Lending Reviews.

What kind of fees is the company charging?

No one works for free, and no one should. That said, it is imperative you know EXACTLY what you will be expected to pay before getting started with any company. Any fees you will be charged should be outlined in a written agreement, and you should know that there are no other investment obligations throughout the process.
We do not require any extra or hidden fees throughout the process in order to work with you. We guarantee our work until you’re fully funded, and we mean it. Should you ever feel the need to retain professional work on business plans, websites, entity formation, and more, we’ll be happy to provide you a quote for those services during your underwriting consultation but you are never required to pay us extra money for us to keep working until you’re funded.

How did they get your information?

Truth be told, if you’re being cold called then you’re probably already in trouble. Your information has likely been sold and resold again and you have no way to know who has it. Corporate Business Lending ONLY responds to applications sent to us or our lending partners.

If there are fees, what are they for?

There are hundreds of different business models that third parties use in their financing process. Some accept percentages, some take commissions from lenders, some charge up front fees (retainers, much like other consultants, attorneys, etc.) One thing that should ALWAYS be a red flag is a company that takes “application” or “processing” fees, or you can bet you’re dealing with a corporate business lending scam.. Submitting some paperwork isn’t something you need to charge excessively for, nor is it an investment a consumer really needs to make. There needs to be a viable, tangible service or product.
For example, at Corporate Business Lending, our work is retained throughout the duration of the funding process and guaranteed until you’re funded, and this includes any paperwork and report development, your initial underwriting consultation, the full development of a funding assessment report, and any general consulting help you need.